The verdict in three sentences
Claims managers at insurers, MGAs and Lloyd's syndicates who build adjuster panels check a firm's website before the first meeting, looking for evidence: attendance times, specialisms, geographic reach and secure data handling. A London firm of 15 adjusters targeting 3 new panel appointments should publish pages by claim type and offer a secure instruction portal. The site ships in 6 weeks and pays for itself with a few dozen claims.
What an insurer checks before appointing you
Panel appointments rest on measurable criteria. The claims manager wants to know how fast an adjuster reaches a warehouse fire in Essex, whether the firm handles construction and engineering losses, how many staff hold CILA qualifications, and how to send an instruction without emailing sensitive files. Under delegated authority arrangements common in the Lloyd's market, coverholders and MGAs also need confidence that data is handled to UK GDPR standards. A site that offers an 'About us' page and a phone number answers none of this.
| Panel criterion | What the site must show | Evidence expected |
|---|---|---|
| Attendance time | Commitment by claim type | Table of times, regions covered |
| Technical specialisms | Fire, escape of water, construction pages | Number of adjusters per specialism |
| Geographic reach | Regions covered from London | Map and times per region |
| Secure data handling | Encrypted instruction portal | UK hosting, access log, Cyber Essentials |
| Report quality | Report turnaround | Commitment in working days |
| Market experience | Client types and volumes | Claims per year, no client names |
Pages by claim type
Each specialism deserves its own page, written for a claims handler rather than a policyholder. The fire page covers commercial and industrial losses, cause and origin work, and coordination with forensic labs. The escape of water page explains high-volume handling, trace and access, and drying management. The construction page covers contract works, latent defects and engineering losses, which are central to many Lloyd's binders.
| Claim type | Attendance time shown | Market fee per claim (2026 order of magnitude) | Typical annual volume for 15 adjusters |
|---|---|---|---|
| Domestic escape of water | 48 to 72 h | 350 to 800 GBP | 1,100 claims |
| Commercial escape of water | 24 to 48 h | 600 to 1,600 GBP | 420 claims |
| Domestic fire | 24 h | 1,000 to 3,000 GBP | 160 claims |
| Commercial or industrial fire | 4 to 12 h | 3,500 to 10,000 GBP | 45 claims |
| Construction and latent defects | 10 working days | 1,300 to 5,000 GBP | 210 claims |
| Storm and flood surge events | 72 h, surge teams | 500 to 2,200 GBP | 260 claims |
Publishing these times commits the firm. Better to show a time you meet 95 % of the time than a flattering one met half the time, because insurers measure reality from the first instructions.
The secure instruction portal and the budget
The portal replaces email: the handler enters the policy and claim reference, uploads documents (first notification, photos, estimates) and receives a time-stamped acknowledgement. Data is hosted in the UK or EU, encrypted, access is set per insurer, and retention follows your UK GDPR policy. The firm then assigns the instruction to the adjuster covering that region.
A London agency charges, as a 2026 order of magnitude, 10,000 to 26,000 GBP for this kind of site with an instruction portal. At Kolonell, the site follows the website grid: Starter 800,000 to 1,200,000 FCFA (1,220 to 1,830 EUR), Growth 1,200,000 to 2,000,000 FCFA (1,830 to 3,050 EUR), Premium 2,000,000 to 3,500,000 FCFA (3,050 to 5,340 EUR), with a 6-week timeline. A secure upload form with attachments fits within Premium; a direct connection to insurers' claims platforms is a custom application, priced on quote. Maintenance runs at 35,000, 75,000 or 120,000 FCFA per month (53, 114 or 183 EUR).
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Daniel, managing director of a 15-adjuster firm in London, handles 2,200 claims a year. He targets 3 new insurers, each able to send about 150 claims a year at an average fee of 950 GBP, 427,500 GBP of potential revenue. The portal also saves 10 minutes of data entry per claim, 367 hours a year across 2,200 claims, close to 0.25 FTE of administrative time. If just one of the three insurers appoints the firm on the strength of a pitch backed by the site, the 142,500 GBP of annual revenue covers a Premium site at most 5,340 EUR many times over.
FAQ
Should we name the insurers we work for?
No, confidentiality terms often forbid it. Show client types and volumes instead, for example 2,200 claims a year for 6 insurers and MGAs.
Is the instruction portal UK GDPR compliant?
Yes, if it is hosted in the UK or EU, encrypted and has a defined retention period, often 6 years after closure in line with limitation periods. Record it in your processing register.
Should policyholders be able to contact us?
Yes, through a dedicated policyholder page kept separate from insurer journeys. It cuts follow-up calls to reception by 20 to 30 %.
How many pages do we need?
Between 12 and 20 pages: one per specialism, one per region covered, plus firm, security, careers and contact pages.
How long until launch?
Allow 6 weeks, including 1 week of portal testing with a partner insurer.
Let's scope your project. Describe your specialisms, regions and target insurers, and we will scope the claim-type pages and the secure instruction portal on a 6-week plan. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
